Complete our loan application online by providing the basic information, your desired loan amount and repayment terms, and you’re on your way.
Low Rate Payday Advance Solution
Get up to $1500. Low Cost. 5 minutes e-transfer
iCASH offers a payday advance loan alternative solution that is designed to fit your life in the 21st century. Some people refer to these as short-term personal loans. While many financial institutions require faxing, we believe that stuff has passed its prime, along with VHS and dial-up Internet. Our loans can be applied for, agreed to, and have their funding issued to customers entirely online. There are no office visits, no faxes, no mail, no e-mail, no telegrams, smoke signals, Morse code, or hand gestures required. That’s lending for today’s digital world, and the future. It saves you time, hassle, and money – all good things when you’re in need of cash fast.
All of our online payday loans are highly flexible, to allow you to find the ideal solution to suit your particular situation. You can borrow any amount within the range we offer and choose from multiple repayment terms and options. You can apply at any time of day, any day of the week, entirely online. The loan application usually takes only 5 to 10 minutes to complete, with the entire process from start to funding taking less than an hour in almost all cases.
We realize that financial emergencies happy, which is why we provide quick payday advance loans in Canada to help pay your bills, cover unexpected expenses. Customers can use their cash however they see fit. Our goal is to provide you with the financial freedom and flexibility to improve your situation and live a better life with less stress.
20%
CASHBACK
Borrow and Save!
Get up to 20% in Cashback!*
iCASH offers a unique Cashback program to reward its customers. You can get back up to 20% of the cost of borrowing paid once your loan is repaid and receive your Cashback direct into your bank account the same day. Real saving and real Money!*
Applying for a Low Rate Payday Advance Online
Online Application
Fast Approval
After submitting your application, our high-tech automated decision-making algorithms review your application and information and provide a near-instant approval decision on your loan.
You’ve Got Cash!
Sign your loan agreement online. If you choose the e-transfer option for funding, you can have your funds within 5 minutes after we receive your signed agreement!
Loan terms vary from - 62days. Maximum APR is 109,50%. For a $300 loan, the maximum total cost of borrowing is of $354.
Interest fees: Alberta $15 per 100, British Columbia $15 per 100, Manitoba $17 per 100, New Brunswick $15 per 100,
Nova Scotia $19 per 100, Ontario $15 per 100, PEI $25 per 100
Interest fees: Alberta $15 per 100, British Columbia $15 per 100, Manitoba $17 per 100, New Brunswick $15 per 100,
Nova Scotia $19 per 100, Ontario $15 per 100, PEI $25 per 100
+ 200 000
members since 2014
members since 2014
93%
of approved applications
of approved applications
4.9out of5
customers would recommend us to their friends
customers would recommend us to their friends
Customer Rating
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Traditional Payday Lenders | Lenders with brokerage fee | |
|---|---|---|---|
| Licensed | |||
| Flexible repayment plans | |||
| Offers cashback program for more savings* | |||
| Paperless | |||
| Free membership benefits | |||
| No hidden charges | |||
| E-transfer in the next 5 minutes | |||
| Get a loan now |
Payday Advance Online
Faxless, Paperless Application Process
Our loans are processed completed online. No notaries. No mailing. No e-mailing. No faxing. No calling. No office visits. Your time is valuable, and in the modern world, we expect things to “just work”, online, smoothly, and in a matter of minutes. That’s how the iCASH lending process works. No travel, no physical paperwork – just an easy process, quick approval, and a fast cash loan. If you’d started applying when you started reading this guide, you’d probably be nearly done by now!
Online Lending Means Less Overhead, Better Rates for Customers
Because iCASH is an online lender we don’t have the same kind of overhead expenses that traditional lenders and banks have. We don’t have physical branch offices spread throughout the country, with leases and insurance and employees in every one of them. This saves us a ton of money on overhead, and we pass those savings on to our customers in the form of competitive rates. Our lending rates are often superior to those from traditional brick-and-mortar payday lenders, meaning you pay less to borrow money, keeping more money in your pocket. Cha-ching!
Flexibility that Doesn’t Cost Extra
Loans from iCASH can be repaid in a single lump sum payment, or in installments of 2 or 3 payments – it’s up to you when you apply for your loan. No matter if you choose 1, 2, or 3 installments, and no matter if you borrow as little as $100 or as much as $1,500, your interest rate remains the same. We don’t charge you extra just because you need a bit more flexibility to repay your loan.
Credit Isn’t a Deal-Breaker!
At iCASH, bad credit isn’t a deal-breaker. While a credit score is certainly one measure of your financial situation, it’s not the only measure. We’re more concerned about whether or not we think you have the means to pay back the loan. If you do, and your income information checks out, then there’s no reason that even the worst credit score should prevent you from getting a loan. What’s more, we don’t charge you a higher rate just because you have bad credit. We want to help your financial situation improve, not punish you for financial issues in your past!
iCASH is a Fully Licensed and Certified Direct Lender
iCASH is a Canadian company, that is fully licensed and certified as a direct lender. That means we have the licenses necessary to directly lend to citizens in every province in which we operate. This means you can trust that iCASH and our operations are fully legitimate and offer you the highest quality service and most reliable online lending in Canada.
Why do your interest rates vary by province?
The interest rates we charge vary by province because of variations in provincial law. Some have different covenants and rate structures than others. This translates into some variation in our base lending rate, which we express as “$ per $100 borrowed” for the sake of transparency and easy understanding by all of our customers. It’s not a matter of favoritism or anything else – simply a function of the way the laws and regulations are set up in each province.
Where can I find the latest interest rates?
Our interest rates are always fixed, and based on the amount borrowed. They do not vary by credit score, loan repayment option, or other factors like that. Interest rates may change over time, but the latest rates are always listed on our website. They are also fully disclosed as part of the loan application and agreement process. Once locked in for a particular loan, that’s your rate – period. While our rates for new loans may change, your agreed-to rate is just that – agreed to – and will not ever change during the course of your loan. iCASH believes strongly in honest, ethical, and responsible lending, and we strive to make as much information available to our customers as possible on our website, in as plain-spoken a manner as we can, and that includes clearly listing our interest rates.
How long are flexible payday loan durations?
Payday loans from iCASH are designed to be short term, usually lasting until your next pay period (or 2 or 3 if you choose the installment plans). This means that loan terms can vary from 7 to 62 days, depending on your installment plan choice, paycheck or government benefit check cycle, and so on. This is all determined as part of the information you provide, and the decisions you make during the application process, and does not change the interest rate charged in any way.
I’m worried about identity theft and hacking. How do you protect my information?
This is an understandable worry in today’s digital world. But, rest assured, your information – personal and financial – are secure and safe with iCASH. We have strict internal controls on information, and have adopted industry best practices for data security policies within our organization.
What if I need to talk to a human being?
Our Customer Experience Advisors are available by phone 7 days a week, during normal business hours in Canada. If the self-help, FAQs, and other online information doesn’t solve your problem, our of our Advisors surely will.
